| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND LLC | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | COMMUNITY INSURANCE COMPANY | $39K | $3K | $42K | 2.54% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | COMMUNITY INSURANCE COMPANY | $3K | — | $3K | 0.20% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | PO BOX 2158 RIVERSIDE, CA 92516 | COMMUNITY INSURANCE COMPANY | — | $2K | $2K | 0.11% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND, LLC | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N CAUSEWAY BLVD SUITE 200 METAIRIE, LA 70002 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $3K | $3K | 5.68% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 W ERIE ST, SUITE 300 CHICAGO, IL 60654 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $717 | — | $717 | 1.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND, LLC | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N CAUSEWAY BLVD SUITE 200 METAIRIE, LA 70002 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 5.24% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 W ERIE ST, SUITE 300 CHICAGO, IL 60654 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $538 | — | $538 | 1.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND LLC | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N CAUSEWAY BLVD SUITE 200 METAIRIE, LA 70002 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 5.81% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 W. ERIE STREET, SUITE 300 CHICAGO, IL 60654 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $296 | — | $296 | 1.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND, LLC | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N CAUSEWAY BLVD SUITE 200 METAIRIE, LA 70002 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $672 | $672 | 5.14% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 W ERIE ST, SUITE 300 CHICAGO, IL 60654 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $196 | — | $196 | 1.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND LLC | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $410 | — | $410 | 3.49% |
| ERIC SMOOT3 | 3615 SECTION ROAD # 2 CINCINNATI, OH 452373729 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $354 | — | $354 | 3.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND, LLC | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N CAUSEWAY BLVD SUITE 200 METAIRIE, LA 70002 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $422 | $422 | 5.31% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 W ERIE ST, SUITE 300 CHICAGO, IL 60654 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $119 | — | $119 | 1.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND, LLC | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 19.99% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N CAUSEWAY BLVD SUITE 200 METAIRIE, LA 70002 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $290 | $290 | 5.18% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 W ERIE ST, SUITE 300 CHICAGO, IL 60654 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $84 | — | $84 | 1.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND LLC | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $485 | — | $485 | 15.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N CAUSEWAY BLVD SUITE 200 METAIRIE, LA 70002 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $180 | $180 | 5.57% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 W ERIE ST SUITE 300 CHICAGO, IL 60654 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $49 | — | $49 | 1.52% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 203 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 267 | $1.6M |
| Dental | COMMUNITY INSURANCE COMPANY | 267 | $1.6M |
| Vision | COMMUNITY INSURANCE COMPANY | 267 | $1.6M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 203 | $48K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 159 | $36K |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 89 | $33K |
| Other(5 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 203 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 267 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.